Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$200,324Cash toward the purchase price.
Closing costs + prepaids$13,493Not just lender fees.
Before credits & paid funds$213,817The complete starting cash picture.
Estimated remaining funds due at closing
$213,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,324.19
Your down payment$200,324.19
Closing costs + prepaids$13,492.91
Total buyer cash needed$213,817.09
Remaining funds due$213,817.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,617.00
Initial HOA (3 months)$519.00
Prepaid interest, first (31 days)$631.92
Fees + prepaids$13,492.91
Your down payment is the seller’s equity. You take over the $249,675 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $213,817.09 is due at closing. Uses and sources reconcile at $463,491.91 each. Not a Closing Disclosure.